There's still time! With 10 years or more until retirement, the following steps will ensure you capitalize on longer-term retirement planning opportunities.

• Lifestyle: Live within your current financial means, and save for retirement – at a rate that is consistent with your age.
• Life Income: Save for yourself and those you care about first, by accumulating financial assets and minimizing debt.
• Lifeboats: Protect against premature death, disability, serious illness and early retirement while you can still qualify.